Privacy Policy

Our Commitment to Your Privacy

At InsureDirect Online, we take your privacy seriously. This Privacy Policy explains how we collect, use, protect, and share your personal information when you use our website and services.

By using our website or services, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our services.

Information We Collect

Personal Information You Provide

When you request an insurance quote or contact us, we collect:

• Name, address, email, and phone number
• Date of birth and Social Security Number (for quotes and binding)
• Driver's license number and driving history
• Vehicle information (make, model, VIN)
• Property information (address, construction details)
• Business information (industry, revenue, employees)
• Payment information (processed securely by carriers)

Information Collected Automatically

When you visit our website, we automatically collect:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on site
• Referring website and search terms
• Cookies and similar tracking technologies

How We Use Your Information

We use your information to:

• Provide insurance quotes from multiple carriers
• Process and bind insurance policies
• Communicate with you about your quote or policy
• Improve our website and services
• Comply with legal and regulatory requirements
• Prevent fraud and ensure security
• Send educational content and updates (with your consent)

How We Share Your Information

With Insurance Carriers

When you request a quote, we share your information with insurance carriers to obtain pricing and coverage options. Carriers use this information to underwrite and issue policies.

With Service Providers

We work with trusted third-party service providers who help us operate our business, including technology providers, payment processors, and analytics services. These providers are contractually required to protect your information.

For Legal Compliance

We may disclose your information when required by law, court order, or government regulation, or to protect our rights, property, or safety.

Data Security

We implement industry-standard security measures to protect your information:

• 256-bit SSL encryption for data transmission
• Secure servers with restricted access
• Regular security audits and monitoring
• Employee training on data protection
• Compliance with insurance industry security standards

While we take reasonable precautions, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.

Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences and quote progress
• Analyze website traffic and user behavior
• Personalize your experience
• Measure advertising effectiveness

You can control cookies through your browser settings. Disabling cookies may limit some website functionality.

Your Privacy Rights

You have the right to:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your information (subject to legal requirements)
• Opt-Out: Unsubscribe from marketing communications
• Portability: Request your data in a portable format

To exercise these rights, contact us at privacy@insuredirectonline.com or call (704) 810-2079.

State-Specific Privacy Rights

California Residents (CCPA)

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to delete personal information, and the right to opt-out of the sale of personal information. We do not sell personal information.

Virginia, Colorado, and Other States

Residents of states with comprehensive privacy laws have similar rights. Contact us to exercise your rights under applicable state law.

Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our website with a new "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the updated policy.

Contact Us

If you have questions about this Privacy Policy or our privacy practices, contact us: